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MediSure Plus

Supplement to your existing medical plan

Why choose MSIG?


Up to 65% Premium Discoun Icon

Up to 65% Premium Discount

Extra 10% off for a family bundle if your spouse and/or child(ren) enrols together

International Payment Guarantee Icon

International Payment Guarantee

No need to pay cash upfront. All bills may be settled when you are discharged from hospital

Second Claims Benefit Icon

Second Claims Benefit

Applicable if the insured person has eligible inpatient claims which have already been reimbursed by another insurance company for the expenses incurred during the confinement at a hospital

Miscellaneous Hospital Charges Icon

Miscellaneous Hospital Charges

Including prescribed diagnostic imaging tests

 Cancer Treatments and Kidney Dialysis Treatment Icon

Inpatient and Outpatient Cancer Treatments and Kidney Dialysis Treatment

Including Chemotherapy, Radiotherapy, Targeted Therapy, Immunotherapy and Hormonal Therapy

Pre and Post Hospitalisation Care Icon

Pre and Post Hospitalisation Care

For 30 days before admission and 90 days after discharge

New Service: Day case endoscopy at MSIG’s premium medical service networks


Day case endoscopy

Effective from 1 April 2025, we are pleased to introduce our new Endoscopy programme, designed to provide convenient one-stop services for our healthcare insurance customers.

Our comprehensive programme includes a pre-endoscopy consultation booking service with specialists within the MSIG medical service network and a cashless service at the designated endoscopy day center for the procedure, ensuing a seamless experience for customers.

If you have a medical necessity and a doctor’s referral letter, you can call the MSIG Emergency Assistance Hotline at +852 3122 6899 (press 4) to book a pre-endoscopy consultation.

If an endoscopy is required after the consultation, MSIG will issue a “Letter of guarantee” to you and the endoscopy day centre upon approval.

We believe this new programme will greatly enhance the convenience and efficiency of the endoscopy process.

Learn more

(Effective from 01 Oct 2019)
Core CoverStandard PlanExcel PlanSuper PlanExecutive PlanMedical Top Up Plan1
Overall Maximum Limit per Disability250,000500,0002,500,00010,000,000N/A

(A) Hospital & Related Services Benefit

Maximum Limit (per year)

250,000500,000750,0001,500,000250,000
Room & Board (per day)1,050 (up to 120 days per disability)2,1002,9004,00050% reimbursement for each eligible claim up to Maximum Limit per year

Accompany Bed (per day)

  • for one adult family member for hospitalisation of children aged 17 or below
1,050 (up to 120 days per disability)Full CoverFull CoverFull Cover

Intensive Care (per disability)

  • supplement to Room & Board
16,000Full CoverFull CoverFull Cover
Miscellaneous Hospital Charges (Covers prescribed diagnostic imaging tests)#16,000Full CoverFull CoverFull Cover
Physician Fees (per day)1,050 (up to 120 days per disability)2,1002,9004,000
In-hospital Specialists (per disability)5,200Full CoverFull CoverFull Cover
Surgeon Fee (per operation) 
Complex52,000330,000Full CoverFull Cover
Major26,000165,000
Intermediate13,00082,500
Minor5,20033,000
Anaesthetist Fee (per operation)35% of Surgeon Fee35% of Surgeon Fee
Operation Theatre (per operation)35% of Surgeon Fee35% of Surgeon Fee
Outpatient Chemotherapy / Radiotherapy / Targeted Therapy / Immunotherapy / Hormonal Therapy / Kidney Dialysis Treatment (per disability)17,000Full CoverFull CoverFull Cover

Pre-Admission Outpatient Visits and Post-Hospital Follow-up Treatment (per disability)

  • 1 visit within 30 days before admission
  • Up to 3 Follow-up Treatments within 90 days after discharge
1,350Full CoverFull CoverFull Cover

Post Operation and Cancer Treatment Recovery Benefit (per day)

  • up to 5 visits per year for each of the following treatments:

    1. Psychological Counselling (Consultation fee only) 
    2. Dietetic Consultation (Consultation fee only)
    3. Speech Therapy (Treatment fee only)
    4. Occupational Therapy (Treatment fee only)
    5. Chinese Herbalist Consultation and Acupuncture
4206308401,050420
  • Reimbursement percentage
80%80%80%80%50%

Private Nursing (per day)

  • up to 26 weeks per year
320Full CoverFull CoverFull CoverN/A
Job Changer Hospital Benefit2N/AN/AN/AN/A26,000
Public Hospital Cash Benefit (per day)1,000 (up to 120 days per disability)1,5002,0002,5001,000
Day Surgery Cash Allowance (per operation)1,0001,0001,0001,0001,000
Second claim benefit (per claim)1,0001,0001,0001,000N/A
Lifetime Limit (per person, applied at or above age 70)1,000,0002,000,0003,000,0006,000,000N/A

(B) Increased International Cover Benefit (in excess of maximum limit per year for Hospital & Related Services Benefit)

Maximum Limit (per year)

N/AN/AN/A4,500,000N/A

(C) Organ Transplantation Benefit

Maximum Limit (per year and per disability)

250,000500,000750,0001,500,000N/A

(D) Additional Benefits

Free Medical Service at Appointed Centre

List of Medical Service Providers

Once per yearOnce per yearOnce per yearOnce per yearOnce per year
International Payment Guarantee^AvailableAvailableAvailableAvailableN/A
24-hour International Emergency AssistanceAvailableAvailableAvailableAvailableAvailable
Emergency Evacuation & Repatriation (per year and per disability)N/AN/A1,000,0001,500,000N/A
Free Travel Personal Accident Benefit (per year and per accident)N/AN/AN/A1,000,000N/A
 
Remarks
  1. The insured person should own a valid hospital & surgical insurance policy at the time of hospital confinement or treatment; otherwise the benefit for Medical Top Up Plan will become invalid.
  2. Waiting period: 90 days from the effective date of Medical Top Up Plan. Maximum period of coverage: within 120 days from the date of termination of employment. The Insured Person has to provide proof of termination of employment upon submission of claim.

 

# Prescribed diagnostic imaging tests: computer tomography (“CT” scan), magnetic resonance imaging (“MRI” scan), positron emission tomography (“PET” scan), PET-CT combined and PET-MRI combined)

 

* According to Surgical Schedule

^ Upon receipt of adequate prior notification of claim for Hospital in-patient treatment, MSIG Insurance (Hong Kong) Limited (“MSIG”) will confirm the extent of insurance benefits, monitor claims procedures, issue (wherever possible) appropriate payment guarantees and/or arrange direct settlement to the Hospitals, Physicians or other service providers subject always to policy terms and conditions. No such payment guarantees or direct settlements can be made if MSIG is not contacted in advance with all relevant details as stated above. Covered outpatient services are not subject to payment guarantees or direct settlement and must be paid by the Insured Person and reimbursement claimed under the policy.

 

  • Critical illness cover:
    • Under Standard Coverages (12 Critical Illnesses): Cancer (Spread of Malignant cell), Major Burns, Coronary Artery-Bypass Surgery, Coma, Stroke (Permanent neurological damage), Blindness (both eyes), Heart Attack, Loss of Hearing (both ears), Motor Neurone Diseases, End Stage Kidney Failure, End Stage Liver Failure, Major Organ Transplant(s)
    • Under Comprehensive Coverages (28 Critical Illnesses), with the above listed critical illnesses plus: Parkinson’s Disease, HIV Resulting from Blood Transfusion, Loss of Speech, Muscular Dystrophy, Multiple Sclerosis, Aorta Surgery, Benign Brain Tumour, Encephalitis, Paralysis/ Paraplegia, Heart Valve Surgery, Terminal Illness, Accidental Head Injury Resulting in Major Head Trauma, Loss of Independent Existence, Alzheimer’s Disease, Loss of Limbs, Pulmonary Hypertension.
  • Cover the following Critical Female Illnesses: Female specific cancers in situ: Breast, Vagina/ vulva, Fallopian tube, Uterus, Cervix (CIN lll or above), Ovary. Female illnesses: Rheumatoid arthritis, Osteoporosis leading to hip fractures, Systemic Lupus erythematosus (SLE) with lupus nephritis.
  • Terms and Conditions for Critical Illness Benefit and Lady Benefit:
    1. Waiting period - 60 days
    2. Survival period - 21 days
    3. Age limit for insuring Critical Illness Benefit: 15 days – 59 years of age
    4. Age limit for insuring Lady Benefit: 18 – 59 years of age
    5. Age limit for renewal - 79 years of age
    6. If you suffer from one of the critical illnesses or critical female illnesses as defined in your selected plan, you will be entitled a cash benefit as stated in the Table of Benefits. Once the full amount of the Maximum Limit is paid, your Critical Illness Benefit will cease but you can still enjoy the protection of medical cover up to age 100.
  • Remark for Lady Benefit:
    1. Lady Benefit is a rider of Critical Illness Benefit and cannot be insured separately.
    2. Lady Benefit paid will reduce the maximum limit of Critical Illness Benefit.
  • Policy effective date: the 1st calendar day of each month after approval of application.
  • Cover does not begin until application has been accepted and premium received.
  • A loading of 10% premium is required for stand-alone child cover.
  • No refund of premium is allowed once the policy has been issued.
  • Premium and terms may be adjusted at renewal at the discretion of MSIG lnsurance (Hong Kong) Limited.

In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
 

(Effective from 01 Oct 2019)
Optional CoverStandard PlanExcel PlanSuper PlanExecutive PlanMedical Top Up Plan1

Outpatient Services Benefit

Maximum Limit (per year)

N/AN/AN/A26,000N/A
General Practitioner (GP)   
(1 visit per day)
Full Cover
Specialist Practitioner (SP)  
(1 visit per day)
Full Cover
Max. Total No. of GP & SP Visits (per year)30
Prescribed Medication (per year)9,700
Diagnostic X-ray & Laboratory Tests (per year)9,700

Bonesetter, Acupuncturist, and Chiropractor treatment 

  • for accidental injury
  • 1 visit per day up to 8 visits per year
500

Supplementary Major Medical Benefit

Maximum Limit per disability

105,000210,000315,000630,000N/A
Deductible per each claim1,0001,0001,0001,000
Reimbursement percentage80%80%80%80%

Dental Benefit

Maximum Limit per year

  • Scaling and polishing (Maximum 2 visits per year): 500 per visit
  • Routine oral examination
  • Intraoral X-ray and medications
  • Fillings and extractions
  • Drainage of dental abscesses
  • Pins for cusp restoration
  • Dentures, crowns and bridges (Only if necessitated by an accident)
2,6002,6002,6002,6002,600

Maternity Benefit (12-month waiting period)

Normal Delivery (per pregnancy)

32,00032,00032,00032,00032,000

Complicated Delivery (per pregnancy)

  • including miscarriage
32,00032,00032,00064,00032,000

Critical Illness Benefits

Standard Coverage: covers Critical Illnesses item (1) – (12)

Comprehensive Coverage: covers Critical Illnesses item (1) – (28)

Overall Maximum Limit for Critical Illness Benefit250,000500,000500,000500,000250,000
Maximum Limit for Lady Benefit50,000100,000100,000100,00050,000
 
Remarks

Lady Benefit is a rider benefit of Critical Illness Benefit and cannot be insured separately. Benefit paid for Lady Benefit will reduce the Overall Maximum Limit for Critical Illness Benefit.

All charges must be reasonable and customary

* Please note that the above table is a summary of benefits only. For more details, please refer to the policy provisions.

Type of PlanPremium (HK$)
Core CoverStandard PlanExcel PlanSuper PlanExecutive PlanMedical Top Up Plan
Age Groups* (Years old)AnnualMonthlyAnnualMonthlyAnnualMonthlyAnnualMonthlyAnnualMonthly
15 days to 63,3483105,5625159,45087515,9841,4801,674155
7 - 173,0242805,0224658,20876014,0401,3001,404130
18 - 304,2663957,29067511,2861,04517,4961,6201,998185
31 - 405,0764708,69480513,4461,24520,9521,9402,430225
41 - 506,69662011,6641,08017,4961,62026,2442,4303,024280
51 - 609,88291516,6321,54024,7862,29536,6123,3904,266395
61 - 7015,9301,47527,2162,52039,9063,69558,0505,3757,020650
71 - 8019,9261,84533,8043,13049,5724,59072,1446,680N/AN/A
81 - 10020,5201,90034,8303,22550,9764,72074,1426,865N/AN/A
Outpatient Services Benefit (Executive Plan) - (Optional Cover)
Age Groups (Years old)AnnualMonthly
15 days to 610,9621,015
7-1710,9621,015
18-3010,206945
31-4011,8801,100
41-5012,6901,175
51-6015,7681,460
61-7020,6821,915
71-8026,8922,490
Supplementary Major Medical BenefitStandard PlanExcel PlanSuper PlanExecutive PlanMedical Top Up Plan
Age Groups* (Years old)AnnualMonthlyAnnualMonthlyAnnualMonthlyAnnualMonthlyAnnualMonthly
15 days to 61,026951,6741552,8622654,806445N/A
7-17864801,5121402,4842304,212390
18-301,2961202,2682103,4563205,400500
31-401,5121402,6462454,1043806,372590
41-501,9441803,4563205,1304757,722715
51-602,9702754,9144557,29067510,8001,000
61-704,5904257,88473011,5561,07016,7941,555
71-805,7245309,77490514,3101,32520,8981,935
81-1005,94055010,09893514,7421,36521,4381,985
Dental BenefitAll Plans
Age Groups (Years old)AnnualMonthly
15 days or above1,782165

 

*Core Cover, Outpatient Service Benefit (Executive Plan) and Supplementary Major Medical Benefit: Renewal only at age 76 or above

^Important Note: Collection of Levy on Insurance Premium - The Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this product proposal form are subject to levy.

Type of PlanPremium (HK$)
Maternity BenefitStandard / Excel/ Super/ Medical Top Up PlanExecutive Plan
Age Groups (Years old)AnnualMonthlyAnnualMonthly
18 - 498,9108259,882915
Critical Illness Benefits: Standard CoverageStandard PlanExcel PlanSuper PlanExecutive PlanMedical Top Up Plan
Age Groups# (Years old)AnnualMonthlyAnnualMonthlyAnnualMonthlyAnnualMonthlyAnnualMonthly
15 days to 17594551,1881101,1881105945559455
18-30540501,0801001,0801005405054050
31-401,2421152,3762202,3762201,2421151,242115
41-502,1061954,2123904,2123902,1061952,106195
51-606,04856011,9881,11011,9881,11011,9881,1106,048560
61-7011,1241,03022,2482,06022,2482,06022,2482,06011,1241,030
71-8021,9782,03543,8484,06043,8484,06043,8484,06021,9782,035
Critical Illness Benefits: Comprehensive CoverageStandard PlanExcel PlanSuper PlanExecutive PlanMedical Top Up Plan
Age Groups# (Years old)AnnualMonthlyAnnualMonthlyAnnualMonthlyAnnualMonthlyAnnualMonthly
15 days to 17810751,6741551,6741551,67415581075
18-30756701,4581351,4581351,45813575670
31-401,7281603,3483103,3483103,3483101,728160
41-502,9702755,9405505,9405505,9405502,970275
51-608,47878516,7941,55516,7941,55516,7941,5558,478785
61-7015,6061,44531,1042,88031,1042,88031,1042,88015,6061,445
71-8030,7262,84561,3985,68561,3985,68561,3985,68530,7262,845
Lady PlanStandard PlanExcel PlanSuper PlanExecutive PlanMedical Top Up Plan
Age Groups# (Years old)AnnualMonthlyAnnualMonthlyAnnualMonthlyAnnualMonthlyAnnualMonthly
18-30486451,026951,026951,0269548645
31-404324086480864808648043240
41-503783575670756707567037835
51-604324086480864808648043240
61-70864801,7281601,7281601,72816086480
71-801,7281603,4563203,4563203,4563201,728160

 

# Critical Illness Benefits: Renewal only at age 60 or above

# Lady Plan: Renewal only at age 60 or above

^Important Note: Collection of Levy on Insurance Premium - The Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this product proposal form are subject to levy

  1. Pre-existing conditions
  2. Routine medical check-ups and vaccinations
  3. Cosmetic surgery
  4. Dental treatment or oral surgery related to teeth (unless for restoration or replacement of sound natural teeth within 14 days of accident) not applicable to Dental Benefit.
  5. Convalescent care
  6. Pregnancy or childbirth (except as defined and covered under the Maternity Benefit, and not applicable to Critical Illness Benefit), infertility, contraception and sterilisation
  7. Congenital and hereditary conditions
  8. Mental and psychiatric disorders
  9. Elective overseas treatment for non-emergency medical conditions
  10. Participation in hazardous sports and pastime
  11. Hospital in-patient treatment for conditions which can be properly treated as an outpatient, includes hospitalisation primarily for diagnostic scanning, X-ray examinations or physiotherapy treatment

The above is a summary of Major Exclusions only. For details please refer to policy provisions.

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